far, 16 states plus the district of colombia, nine have said absolutely no, which includes texas and florida that had been again every aspect of obamacare. that leaves over half of states saying that they are not buying into this yet. which means lack of uniformity. we try to figure out that we predict a lot of people may lose employer-based insurance and have to go to individual based insurance if they can't afford a federal subsidy. i'm concerned that the kind of insurance as that this is the kind that will allow you access to see this doctor whether you are sick or well. i am concerned that it may not pay for high technological solutions on the other end that don't work for everyone. that are brand-new and bells and whistles that are really exciting, personalized medicine, but a very expensive. insurance companies may decide not cover it. and medicare, or that we have talked about, they may decide not to cover it. shannon: these changes are where a consumer in the state of utah -- they would have to shop for your insurance. that is where they will be better than products will be there. so